Blog


  • Why Do Your Customers Require a Waiver of Subrogation?

    Posted by Bethany Miller
    March 7, 2017

    Why Do Your Customers Require a Waiver of Subrogation? If your customers’ businesses are involved in an incident including your telecommunications contractors and a third party, they want to protect themselves and prevent your insurer from pursuing subrogation against them. A waiver of subrogation helps them do just that. What is a Waiver of Subrogation? Understanding a waiver of subrogation is an important part of signing a contract. Subrogation is the concept that a company may step into your shoes and act on your behalf in the event of some legal action, claim or loss. This concept limits the liability… Read More >

  • Cell Tower Risks

    Top 10 Risks in the Cell Tower Industry

    Posted by Bethany Miller
    February 28, 2017

    Top 10 Risks in the Cell Tower Industry Demand for the services of the cell tower industry has been on the rise. The upside of this is more revenue and more jobs. The downside is a greater risk. Cell tower climbers perform exceptionally hazardous work, arguably one of the most dangerous jobs in America. Falls are the most common cause of injury and death in the cell tower industry, but several risk factors contribute to this threat and a few other hazards like: Heights Tower Collapse Faulty rigging Slipping Inclement weather Structural issues Falling objects Equipment failure Insufficient training Poor… Read More >

  • Telecom Insurance

    Insurance Coverage Requirements in the Telecom Industry

    Posted by Bethany Miller
    February 21, 2017

    Insurance Coverage Requirements in the Telecom Industry The sometimes hazardous nature of the telecom business makes insurance especially important for companies in this industry. In addition to general liability and standard commercial insurance policies, there are other insurance coverage requirements for those in Telecom. Special Insurance for Telecom Companies Workers’ compensation. Telecom companies have special workers’ compensation needs. We make sure that you are protected from the unexpected and you have the proper coverage for the states you are working in. Crime insurance. When you are working off-site, security can be a challenge. Crime insurance helps protect you from losses… Read More >

  • Effective Training

    What is the Most Effective Way to Track Training?

    Posted by Bethany Miller
    February 14, 2017

    What is the Most Effective Way to Track Training? The more traditional method of training telecom employees used to be ineffective and impede on the autonomy of the contractor. Displacing workers for training sessions while out on the field will do more harm than good since you are removing them from their workplace and interjecting their daily activities. Newer training methods will: Allow employees to get more from their training sessions without it being intrusive. Focused corporate telecom training programs will help employees internalize the need for change and further develop their skill set to ensure progress. Telecom training mandates… Read More >

  • Why Do My Customers Require Mod Less Than 1.00?

    Posted by Bethany Miller
    February 9, 2017

    Why Do My Customers Require Mod Less Than 1.00? Unfortunately, employee accidents are a fact of life in the telecommunications industry. However, how you manage your job sites to help prevent accidents can not only keep your insurance premiums down but can even help encourage new customers to do business with you. Why, because many of your customers contractually require you to have a mod of 1.00 or less. What is a Modification Factor? Your workers’ compensation modification factor (frequently just called a “mod”) compares your company’s number of workers’ compensation claims to those of similar-sized businesses in your same… Read More >

  • Third Party Crime Coverage

    Third Party Crime Coverage: What it Means For You

    Posted by Bethany Miller
    February 1, 2017

    Third Party Crime Coverage: What it Means For You If you, your employees, or sub-contractors regularly go into a client’s place of business to deliver services, they may require you to carry third party crime insurance. This would protect your customer from the theft of property on the project you are working on. Most standard business insurance policies include basic employee theft coverage, but that is designed to protect you, not your clients. Third party crime coverage extends coverage to them and is triggered when there is an allegation of theft of a client’s property by one of your employees. Read More >

  • Why You Need Pollution Coverage

    Posted by Bethany Miller
    January 12, 2017

    Why You Need Pollution Coverage Generally, pollution coverage is required by the customers you are doing work for.  If your company refuels generators at cell tower sites or if you do change batteries out you will be most likely required to carry this coverage.  If you do not do this type of work sometimes your customer will strike this requirement from your contract. What it Does Pollution liability insurance usually covers property damage that could be a result of hazardous waste materials that are released during normal operations. It does not only cover you from any liability issues when carrying… Read More >

  • What Types of Insurance Do You Need to be Covered Properly?

    Posted by Bethany Miller
    January 12, 2017

    What Types of Insurance Do You Need to be Covered Properly? If you work with telecommunications industry you know that it can often be difficult to find an insurance company that will underwrite all of the types of insurance that such a contractor needs. Many insurance companies have no interest in telecommunications companies since many contractors work at such heights. However, telecom contractors have a wide variety of insurance needs. Below are just a few types of insurance most such contractors require. Types of insurance for telecommunications contractors Property. If a telecom contractor owns a storefront, a warehouse or a… Read More >

  • Hold Harmless Agreements

    Posted by Bethany Miller
    January 12, 2017

    Hold Harmless Agreements First, if you are a telecommunications company your customers require you to sign hold harmless agreements.  Second, if you are a telecommunications company and you use subcontractors you need to require a hold harmless agreement with all of your subcontractors. What is a hold harmless agreement? A hold harmless agreement is a legal document that states that neither party to the agreement will attempt to sue the other for liability. For example, if a telecom company is working for a manufacturing facility or a municipality, installing, maintaining and upgrading its telecommunications systems, the telecom company may agree… Read More >

  • Worker’s Compensation Insurance

    Posted by Bethany Miller
    January 12, 2017

    Worker’s Compensation Insurance Workers compensation is a big deal in the telecommunication industry.  Contractually your customers require you to purchase this coverage.  However, all work comp policies are not created equally.   You need to make sure your work comp policy covers you in all the states you are working in. Benefits of Worker’s Compensation Insurance with Telecom Insurance This insurance is of benefit to both the employer and the employees of telecom businesses. These benefits preclude employees from suing their employers who might harm the employer’s business financially. Such benefits are categorized into: Income benefits- where replacement of any wages… Read More >

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